Now that you’re signed up for Medicare, you’re probably wondering how to pay your premiums. There are different situations you might find yourself in.
Most people do not have a Part A Premium. If you do have to pay out of pocket for your Part A, you will receive a bill for $437 a month. If you have limited income and resources, your state may help.
You may qualify for Extra Help to pay for some of your out of pocket medical costs. If you buy Part A or you owe Part D income-related monthly adjustment amount (IRMAA), you will always get a “Medicare Premium Bill” each month for your premium.
For those who receive Social Security, your benefits will automatically be deducted.
If you receive Railroad Retirement Benefits or Civil Service benefits, your premium might be automatically deducted. Or they may require you to pay a bill.
If you do not receive a bill, the address for payment is RRB, Medicare Premium Payments. P.O. Box 979024, St. Louis, MO 63197-9000
If you’re entitled to Civil Service benefits but not Social Security benefits, you can choose to have your premium deducted from your Civil Service Annuity.
To have it automatically deducted you can call 1-800-MEDICARE and they will help you arrange this.
You can also sign up for Medicare Easy Pay, which we’ll explain below.
Sign Up for Medicare Easy Pay
Sign up for Medicare Easy Pay. The set up is easy.
Mail a completed Authorization Agreement for Pre-authorized Payments form [PDF, 117 KB] (SF-5510) to:
Medicare Premium Collection Center
PO Box 979098
St. Louis, MO 63197-9000
This free service will automatically deduct your premium payments from your checking or savings account each month.
Anyone who received a bill from Medicare for their premiums is eligible for Medicare Easy Pay.
They usually deduct the premium from the bank on the 20th of the month.
Pay Medicare Directly From Your Bank Account
Pay the bill directly from your bank account through your bank’s online bill payment service. To set this up, call your bank or go to their website.
Pay Medicare By Check
You can also pay by check or money order by mailing your Medicare payment coupon and payment to Medicare.
Pay By Debit or Credit Card
Pay by debit or credit card by completing the bottom portion of the payment coupon on your Medicare bill, and sign it.
You’ll need to provide the account information as it appears on your debit or credit card and the expiration date. If your credit card has only the month and year for the expiration date on the card, leave the day field blank. Mail your payments to the address above.
Pay Attention to the Type of Bill you Get
On the “Bill” statement if the box in the upper right corner says “This is not a bill”, then your premium amount will be automatically deducted from your bank account each month. You don’t need to do anything.
If the box says, “First Bill”, then this is your very first bill, or you have paid your last bill in full. You need to send in a payment for the total amount shown by the 25th. (Medicare premiums are due by the 25th of the month)
If the billing date on the First Bill is February 27th, send in payment by March 25th. If the box says, “Second Bill”, Medicare didn’t get payment by the due date shown on the First Bill. You need to send in a payment for the total amount shown.
If the box says “Delinquent Bill” Medicare didn’t get the payment by the due date shown on the Second bill. You need to send in a payment, so you don’t lose your Medicare coverage. This is the last bill you will get. If you have questions about your bill or the status of your coverage, you can call Social Security at 1-800-772-1213.
Your Bill from the Railroad Retirement Board
If you are getting billed from the RRB the payment options explained on this page do not apply to you. Your or your bank must mail your premium payments to:
RRB, Medicare Premium Payments
PO Box 979024
St. Louis, MO 63197-9000